System and method for mobile check deposit with restricted endorsement

ABSTRACT

A computer-implemented method includes receiving, from a mobile device, a deposit request including a first check image for funds to be deposited into a user account, determining a risk level associated with the deposit request, requesting a second check image having a restricted endorsement based on the risk level, receiving the second check image having the restricted endorsement, determining a confidence level based on the restricted endorsement, and transferring the funds to the user account based on the confidence level.

CROSS-REFERENCE TO RELATED PATENT APPLICATIONS

The present application claims priority under 35 U.S.C. § 119(e) to U.S.Provisional Patent Application No. 61/885,463, filed on Oct. 1, 2013 andtitled “System and Method for Mobile Check Deposit with RestrictedEndorsement,” the entirety of which is incorporated by reference.

BACKGROUND

Mobile communication devices having a wireless internet connection, suchas a cellular phone or a smart phone, may be used to deposit checks to afinancial account held with a financial institution. The checks may bedeposited through a website of the financial institution or via anapplication run by the mobile device. A check may be deposited bycapturing one or more images of the check and sending the imagesremotely to the financial institution. The financial institution reviewsthe images and either accepts or rejects the deposit based on theimages. If accepted by the financial institution, the financialinstitution may make the funds immediately available to the accountholder. However, the check is retained by the account holder and remainsfree of any markings suggesting the check has been deposited. As such,the account holder may be able to cash the check with a check cashingservice to again receive the value of the check. If the check cashingservice has possession of the check (and thus priority) and thefinancial institution is unable to recover the funds distributed to theaccount holder (e.g., the financial account has a negative value), thefinancial institution may then lose the amount of the check.

SUMMARY OF THE DISCLOSURE

One embodiment relates to a computer-implemented method which includesreceiving, from a mobile device, a deposit request including a firstcheck image for funds to be deposited into a user account, determining arisk level associated with the deposit request, requesting a secondcheck image having a restricted endorsement based on the risk level,receiving the second check image having the restricted endorsement,determining a confidence level based on the restricted endorsement, andtransferring the funds to the user account based on the confidencelevel.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a schematic diagram of a computer-implemented check processingsystem, according to an exemplary embodiment.

FIG. 2 is an illustration of a process for receiving a check depositrequest, according to an exemplary embodiment.

FIG. 3 is screen view of a mobile device implementing the checkprocessing system of FIG. 1, according to an exemplary embodiment.

FIG. 4 is a screen view of the mobile device capturing an image of theback of the check, according to an exemplary embodiment.

DETAILED DESCRIPTION

Referring to FIG. 1, a computer-implemented check processing system 100using a mobile device 110 is shown, according to an exemplaryembodiment. The check processing system 100 may be utilized by a user ofthe mobile device 110 (e.g., an account holder, recipient user, etc.) todeposit checks to an account held by a financial institution. The usermay be a business entity and/or an individual consumer that has one ormore accounts with the financial institution. The mobile device 110 canbe used to transmit check images and other user-provided data to arecipient bank computer system 120. Additionally, funds can betransferred from the source account bank to the recipient account bank.Alternatively, the source account and the recipient account can be heldat a single financial institution. While, in the example of FIG. 1 amobile device 110 is shown, as will be appreciated, the recipient mayalso use other devices (e.g., laptop or desktop computer system, notshown) to capture and transmit an image of a check to the financialinstitution.

The check processing system 100 may include, among other systems, themobile device 110 (e.g., cellular phone, smart phone, tablet, mobilehandheld wireless e-mail device, personal digital assistant, portablegaming device, tablet, laptop, camera, etc.), the recipient bankcomputer system 120, and a source account bank computer system 130. Themobile device 110, the recipient bank computer system 120, and thesource account bank computer system 130 may communicate through anetwork 160, which may include one or more of a cellular network, awireless local area network (WLAN), Wi-Fi, Wi-Max, a proprietary bankingnetwork, and so on. The network 160 may connect the mobile device 110 tothe Internet, such as via a wireless network access point or otherconnection. The mobile device 110, the recipient bank computer system120, and the source account bank computer system 130 may each comprise acomputer system (e.g., one or more servers each with one or moreprocessors) configured to execute instructions, send and receive datastored in memory, and perform other operations to implement theoperations described herein associated with logic or processes shown inFIGS. 2-4.

The mobile device 110 can be configured to access resources provided bya financial institution using an application or a web browser with aconnection to a communications network (e.g. the Internet). Thefinancial institution may publish applications to the user mobile device110 using various digital online marketplaces. The name or web addressof the marketplace may depend on the operating system of the mobiledevice 110. The individuals may, for example, use the mobile device 110to perform banking tasks such as making deposits. Examples of operatingsystems include iOS®, Windows Phone®, Symbian®, Android®, Blackberry®,WebOs®, and so on.

The mobile device 110 may allow a recipient of a check to deposit thefunds from the check writer's account to a financial institution accountowned by the recipient. The mobile device 110 may send information thatis on the check to the financial institution to receive funds from thecheck writer's account. Although in the illustrated embodiment themobile device 110 is used to deposit a check using a financialinstitution application, it will be appreciated that the mobile devicemay deposit a check using different mechanisms, for example, through anonline banking area of a web site of the banking institution that allowsa user to upload the image of the check.

The mobile device 110 may be used by an individual user (e.g., abusiness owner or employee, a consumer, and so on) to deposit funds toan account. The mobile device 110 comprises a network interface logic112, display device 114, input device 115, image capture device 116, andOCR system 117. Network interface logic 112 may include, for example,program logic that connects the mobile device 110 to the network 160. Asdescribed in greater detail below, for example, the mobile device 110may receive and display screens for mobile check deposit, accountinformation, transaction instructions, and so on. In an exampleembodiment, such screens may be used to request authenticationinformation (e.g. username and password). Such screens may also be usedto prompt the user to provide additional information associated with thecheck, such as regarding the amount of the funds written on the checkand which business or individual has paid the recipient by a check. Suchscreens may also be used to prompt the user to provide one or moreimages of the check, such as a check image including a restrictedendorsement. Such screens are presented to the user via the displaydevice 114. The input device 115 may be used to permit the user toinitiate account access and to facilitate receiving requestedinformation from the user. As will be appreciated, in addition to orinstead of the mobile device 110, users may also be provided with theability to access the check processing system 100 using another type ofcomputer (e.g., a desktop or laptop computer executing browser software)to perform the operations described herein as being performed by themobile device 110.

The display device 114 may be configured to generate images and a userinterface for the user of the mobile device 110. For example, thedisplay device 114 may prompt the user to enter the check informationregarding a check deposit transaction. The display device 114 providesvisual feedback to the user when the user attempts to use the imagecapture device 116 to capture an image of a check. In one example, thedisplay device 114 may display guides over the image generated by theimage capture device 116 to allow the user to frame the image of thecheck within a desired area of the screen. The display device 114 can belocated on an opposing side of the mobile device 110 as the imagecapture device 116. The opposing orientation of the image capture device116 compared to the display device allows a user to view the displaydevice while the image capture device 116 is facing away from the user.In other mobile devices, the display device 114 can also be located onthe same side of the mobile device 110 as the image capture device 116.Other mobile devices can include a plurality of image capture devices116.

The image capture device 116 may comprise a camera, scanner or anothersuitable image capture device that is configured to capture the image ofa check. The image capture device 116 can include one or more lenses andan image sensor configured to record the images on the memory system ofthe mobile device 110. The image capture device 116 can be integratedinto the body of the mobile device 110. The image capture device 116 maybe configured to capture an image of a written instrument such as acheck, cashier's check, bank check or other types of negotiableinstrument. The mobile device 110 transmits the image to a financialinstitution computer system (e.g., recipient bank computer system 120).

Upon receiving the image of the check captured by the image capturedevice 116, the mobile device 110 may request that the OCR system 117determine the location of characters such as text within the checkimage. The OCR system 117 can be an application stored on the mobiledevice 110 or the OCR system 117 can be located on the recipient bankcomputer system 120. The OCR system 117 determines the characters andtheir locations by optical character recognition algorithms. In anexample embodiment, the OCR system 117 may determine a level ofcertainty that a character has been correctly recognized. For example,if the level of certainty is above a first threshold (e.g., 70%), thecharacter may be considered correctly recognized. If the level ofcertainty is below a first threshold (e.g., 50%), the character may beconsidered unrecognizable, and the user may be prompted to manuallyenter the character. If the level of certainty is between the first andsecond thresholds, the character may be considered uncertain, and theuser may be prompted to confirm that the character was correctlyrecognized or to manually enter a different character.

The recipient bank computer system 120 includes account processing logic122, account database 124, and network interface logic 127. The computersystem 120 may be operated by a first banking entity that maintains andhandles transaction processing for the recipient's accounts. Thecomputer system 120 is configured to store information regarding therecipient's accounts. By way of example, information for a specificrecipient account, designated by reference numeral 125, is shown asbeing stored in a database 124. As will be appreciated, database 124 mayalso store information regarding many other accounts (not shown).

The account 125 holds funds that are transmitted to the recipient uponreceiving check deposit instructions from the recipient through themobile device 110. Funds may flow into and out of the account 125. Therecipient bank computer system 120 is connected to the source accountbank computer system 130 through the network 160. Network interfacelogic 127 may include, for example, program logic that connects thecomputer system 120 to the network 160.

The recipient bank computer system 120 may receive requests to depositfunds from a mobile device 110 in the form of a check deposit request.The mobile check deposit system 140 may be part of a single or adistributed computer system that is part of the recipient bank computersystem 120. The mobile check deposit system 140 includes an accountidentification logic 142, a risk assessment logic 144, a restrictedendorsement request logic 146, a restricted endorsement assessment logic148, and a check deposit logic 150. The check deposit request mayinclude the amount of the funds to be deposited, the account into whichthe funds are to be deposited, and one or more images of the physicalcheck(s) that were captured by a mobile device 110. The mobile checkdeposit system 140 is configured to determine the bank information (e.g.routing number, account number, check number) that is printed on theimage of the check.

When the check deposit request is received (e.g., by computer system120), the account identification logic 142 determines identifyinginformation based on the check deposit request. In an exemplaryembodiment, the check deposit request includes user-provided depositinformation and an image of a front of the check to be deposited (i.e.,a first check image). The identifying information may includeinformation related to the account (e.g., account holder, accountnumber, account history, date opened, etc.) and/or the deposit (e.g.,deposit amount, check number, check date, payor, etc.). The accountidentification logic 142 includes an OCR system that determines thenumbers and characters within the check image in order to determineidentifying information related to the check deposit request.

The account identification logic 142 sends the identifying informationto the risk assessment logic 144. The risk assessment logic 144determines a risk level associated with the check deposit request basedon the identifying information. The risk assessment logic 144 may alsorequest and receive other account information from the account database124 when the identifying information is received and use thisinformation to determine the risk level. In an exemplary embodiment, therisk assessment logic 144 determines the risk level by requesting a riskassessment from an account verification service 170 (e.g., a creditagency, a network of financial institutions, etc.) based on theidentifying information. The recipient bank computer system 120 isconnected to the account verification service 170 by a network 180 oranother similar network (e.g., network 160). The account verificationservice 170 includes network interface logic 174 for connecting theaccount verification service 170 to the network 180. The risk assessmentlogic 144 sends the identifying information to the account verificationservice 170 through the network 180 via the recipient bank computersystem 120. The account verification service 170 determines the risklevel (e.g., by risk assessment logic 172) and sends the risk level tothe risk assessment logic 144. In this embodiment, the accountverification service 170 utilizes the identifying information to obtainadditional risk information associated with the account and/or thecheck. For instance, the risk level may include an overall risk of theaccount and/or the account holder, which may be based on priortransaction history, an account balance, a credit history, a priorhistory of fraud, and the like. The risk level may also include a riskassociated with the check, which may be based on an amount of the check,whether the check has been involved in a prior fraud, a likelihood thecheck will be returned, and the like. The risk level may be binary(e.g., high or low, above or below a threshold, etc.) or the risk levelmay be based on a scale (e.g., from 0 to 1000).

When the risk assessment logic 144 determines that the risk level is ator below a specified risk threshold (e.g., low risk), the deposit may beaccepted. In one embodiment, the identifying information is sent to thecheck deposit logic 150 and the check deposit logic 150 transmits theamount and any necessary account information to the financialinstitution to trigger a transfer of funds to the account 125 of therecipient (e.g., user, account holder, etc.). In another embodiment, themobile check deposit system 140 requests and receives an image of theback of the check, such as by endorsement request logic, determineswhether the requested image is acceptable, and then sends any necessaryinformation to check deposit logic 150 for transferring the funds toaccount 125. When the risk assessment logic 144 determines that the risklevel is above the specified risk threshold (e.g., high risk), however,the restricted endorsement request logic 146 may query the user toprovide a restricted endorsement. The restricted endorsement requestlogic 146 sends a message (i.e., a restricted endorsement message) tothe mobile device 110 requesting the restricted endorsement. Therestricted endorsement request logic 146 may also indicate a reason forthe request (e.g., excessive deposit amount, low account balance, etc.)within the restricted endorsement message. The restricted endorsementmessage instructs the user of the mobile device 110 to write therestricted endorsement in a specified area on the back of the check,capture an image of (i.e., photograph) the back of the check includingthe restricted endorsement, and submit the image (e.g., second checkimage) via the mobile device 110 (e.g., to the recipient bank computersystem 120).

The restricted endorsement assessment logic 148 receives the secondcheck image and determines a confidence level of the restrictedendorsement based on the second check image. The restricted endorsementassessment logic 148 utilizes an OCR system that determines thecharacters of the restricted endorsement and their locations in thecheck that is being deposited using the mobile device 110. In oneembodiment, the OCR system is OCR system 117. The OCR system can be anapplication stored on the mobile device 110 or the OCR system can belocated on the recipient bank computer system 120. The OCR systemdetermines the characters and their locations by optical characterrecognition algorithms.

The restricted endorsement assessment logic 148 determines a confidencelevel for the restricted endorsement, which may include whether thecontent of the restricted endorsement is sufficient and/or whether therestricted endorsement is contained within the specified area. Theconfidence level may be binary (e.g., high or low) or the confidencelevel may be determined on a scale (e.g., from 0 to 1000). In oneembodiment, the restricted endorsement assessment logic 148 determines alevel of certainty that a character within the restricted endorsementhas been correctly recognized. For example, if the level of certainty isabove a first threshold (e.g., 70%), the character may be consideredcorrectly recognized. If the level of certainty is below a firstthreshold (e.g., 50%), the character may be considered unrecognizable.In this embodiment, the confidence level for the restricted endorsementmay be based on a percentage of characters within the restrictedendorsement that are recognizable.

In exemplary embodiments, the restricted endorsement assessment logic148 requires the restricted endorsement to include a word or phrase,such as “FOR DEPOSIT ONLY,” “FOR DEPOSIT ONLY TO X” where ‘X’ is thename of the financial institution, or “FOR DEPOSIT ONLY TO ACCOUNT X”where ‘X’ is the name of an account holder or an account number. Inthese embodiments, the restricted endorsement assessment logic 148 maydetermine the confidence level on the content of the restrictedendorsement. In one embodiment, the restricted endorsement assessmentlogic 148 determines that the confidence level is high enough to deliverthe funds only if the entire phrase is recognizable within the secondcheck image. In another embodiment, the restricted endorsementassessment logic 148 determines that the confidence level is high enoughto deliver the funds if a majority of the phrase is recognizable withinthe second check image. The restricted endorsement assessment logic 148may also determine the confidence level based on a location of therestricted endorsement. For instance, the restricted endorsementassessment logic 148 may determine a lower confidence level if therestricted endorsement is not within the specified area, such asendorsement area 502 (see FIG. 4). The confidence level may also bebased on any other requirements as may be suitable for the particularuse of the system 100.

When the restricted endorsement assessment logic 148 determines theconfidence level for the restricted endorsement is sufficient (e.g.,high or greater than a specified confidence threshold), then identifyinginformation is sent to the check deposit logic 150 for transmitting theamount and any necessary account information to the financialinstitution to trigger the transfer of funds to the account 125 of theuser. When the restricted endorsement logic 148 determines theconfidence level for the restricted endorsement is not sufficient (e.g.,low, at or below the specified confidence threshold, etc.), then therestricted endorsement request logic 146 either sends an additionalrestricted endorsement message or the mobile check deposit system doesnot accept the check deposit request.

The source account computer system 130 includes account processing logic132, accounts database 134, and network interface logic 137. The bankaccount logic 139 may be operated by a second banking entity thatmaintains and handles transaction processing for source accounts. Thedatabase 134 may store information for a source account, designated byreference numeral 135 in FIG. 1. The source account 135 may be a demanddeposit account held by a user with another financial institution thatwrote a check to the recipient. Although in the illustrated embodimentthe computer systems 120 and 130 are shown as being separate and ascommunicating through a network 160, it will be appreciated that thecomputer systems 120 and 130 may also be integrated in a single paymentprocessing system (e.g., if the two financial institutions are thesame).

Referring now to FIG. 2, flow chart 200 illustrates a process fordepositing a check using the check processing system 100, according toan exemplary embodiment. At 202, a check deposit request is received(e.g., by the recipient bank computer system 120) for funds to bedeposited into the account 125. In an exemplary embodiment, the checkdeposit request includes the first check image. For example, the usermay use the mobile device 110 to capture an image of the front of acheck (e.g., the first check image) and send it to the recipient bankcomputer system 120 as part of the check deposit request. At 204, a risklevel is determined for the check deposit request. The risk level isdetermined by the risk assessment logic 144. The risk level may bedetermined based on the associated account and/or the check beingdeposited. In an exemplary embodiment, the risk level is determinedbased on a risk assessment performed by the account verification service170. At 206, a restricted endorsement is requested based on the risklevel. In an exemplary embodiment, the restricted endorsement isrequested if the risk level is above a specified risk level threshold.The user is required to write the restricted endorsement on the back ofthe check and within a specified area (e.g., the endorsement area 502).At 208, the restricted endorsement is received (e.g., by the recipientbank computer system 120). At 210, a confidence level is determinedbased on the restricted endorsement. At 212, funds are transferred to auser account based on the confidence level. In an exemplary embodiment,the funds are transferred to the user account if the confidence level isabove a specified confidence level threshold.

Referring now to FIG. 3, an example screen 300 is shown on mobile device110 to initiate a mobile check deposit. The user may choose from one ormore accounts 302 to receive the funds from the check deposit. In theexample shown, the user chooses to deposit funds to an account 302 (“ABCAccount 1234567890”). Accordingly, account 302 corresponds to the useraccount 125 described above in connection with FIG. 1. As shown inscreen 300, the depositor 304 is an optional field that may be filledout by the user. In order to deposit a check the user may enter a checkamount 306. The user may navigate menu selections to upload one or moreimages of the check at front image and back image menu items. When auser selects an image capture button 308, a screen as shown in FIG. 4may be displayed to facilitate capturing an image of a front of thecheck (i.e., the first check image). When a user chooses to select animage capture button 310, a screen as shown in FIG. 4 may be displayedto facilitate capturing an image of a back of the check (i.e., thesecond check image). In an exemplary embodiment, continue button 312 isselectable once the user provides input for the account 302, checkamount 306, and image capture button 308 to send the check depositrequest. In this embodiment, the image capture button 310 is notselectable until the user provides input for the account 302, checkamount 306, image capture button 308, and presses the continue button312. The continue button 312 may also be selectable once the userprovides input for the account 302, check amount 306, and image capturebuttons 308 and 310.

Referring to FIG. 4, a screen shot 400 for capturing an image of theback of a check 500 is shown, according to an exemplary embodiment. Thescreen in FIG. 4 displays a rectangular guide box 402 that is overlaidover the image that is being captured by the image capture device 116.In some embodiments, instructions may be provided within the guide box402 for instructing the user regarding how to capture the back of thecheck 500. In one embodiment, the lines at the edge of the guide box 402may be colored red until the back of the check is detected by the imagecapture device 116. Upon detecting that a check is within the lines ofthe guide box 402, the color of the guidelines may change to green fromred to provide visual feedback to the user to press the camera button404. Pressing the camera button 404 activates the digital shuttermechanism and an image is stored in the memory of the mobile device 110.

The check 500 is also shown in FIG. 4. The check 500 includes anendorsement area 502 and an area 508. Within the endorsement area 502 isa restricted endorsement 504. In this embodiment, the restrictedendorsement 504 includes the text “FOR DEPOSIT ONLY” and is in capitalletters. In other embodiments, the restricted endorsement may includeother words or phrases, as described above. A signature 506 is alsoincluded within the endorsement area 502.

The embodiments of the mobile check deposit are described with referenceto drawings. The drawings illustrate certain details of specificembodiments that implement the systems and methods and programs of thepresent invention. However, describing the invention with drawingsshould not be construed as imposing on the invention any limitationsthat may be present in the drawings. The present invention contemplatesmethods, systems and program products on any machine-readable media foraccomplishing its operations. The embodiments of the present inventionmay be implemented using an existing computer processor, or by a specialpurpose computer processor incorporated for this or another purpose orby a hardwired system.

As noted above, embodiments within the scope of the present inventioninclude program products comprising machine-readable media for carryingor having machine-executable instructions or data structures storedthereon. Such machine-readable media can be any available media that canbe accessed by a general purpose or special purpose computer or othermachine with a processor. By way of example, such machine-readable mediacan comprise RAM, ROM, EPROM, EEPROM, CD-ROM or other optical diskstorage, magnetic disk storage or other magnetic storage devices, or anyother medium which can be used to carry or store desired program code inthe form of machine-executable instructions or data structures and whichcan be accessed by a general purpose or special purpose computer orother machine with a processor. Combinations of the above are alsoincluded within the scope of machine-readable media. Machine-executableinstructions comprise, for example, instructions and data which cause ageneral purpose computer, special purpose computer, or special purposeprocessing machines to perform a certain function or group of functions.

Embodiments of the present invention have been described in the generalcontext of method steps which may be implemented in one embodiment by aprogram product including machine-executable instructions, such asprogram code, for example in the form of program modules executed bymachines in networked environments. Generally, program modules includeroutines, programs, objects, components, data structures, etc. thatperform particular tasks or implement particular abstract data types.Machine-executable instructions, associated data structures, and programmodules represent examples of program code for executing steps of themethods disclosed herein. The particular sequence of such executableinstructions or associated data structures represent examples ofcorresponding acts for implementing the functions described in suchsteps.

As previously indicated, embodiments of the present invention may bepracticed in a networked environment using logical connections to one ormore remote computers having processors. Those skilled in the art willappreciate that such network computing environments may encompass manytypes of computers, including personal computers, hand-held devices,multi-processor systems, microprocessor-based or programmable consumerelectronics, network PCs, minicomputers, mainframe computers, and so on.Embodiments of the invention may also be practiced in distributedcomputing environments where tasks are performed by local and remoteprocessing devices that are linked (either by hardwired links, wirelesslinks, or by a combination of hardwired or wireless links) through acommunications network. In a distributed computing environment, programmodules may be located in both local and remote memory storage devices.

An exemplary system for implementing the overall system or portions ofthe invention might include a general purpose computing computers in theform of computers, including a processing unit, a system memory, and asystem bus that couples various system components including the systemmemory to the processing unit. The system memory may include read onlymemory (ROM) and random access memory (RAM). The computer may alsoinclude a magnetic hard disk drive for reading from and writing to amagnetic hard disk, a magnetic disk drive for reading from or writing toa removable magnetic disk, and an optical disk drive for reading from orwriting to a removable optical disk such as a CD ROM or other opticalmedia. The drives and their associated machine-readable media providenonvolatile storage of machine-executable instructions, data structures,program modules and other data for the computer. It should also be notedthat the word “terminal” as used herein is intended to encompasscomputer input and output devices. Input devices, as described herein,include a keyboard, a keypad, a mouse, joystick or other input devicesperforming a similar function. The output devices, as described herein,include a computer monitor, printer, facsimile machine, or other outputdevices performing a similar function.

It should be noted that although the diagrams herein may show a specificorder and composition of method steps, it is understood that the orderof these steps may differ from what is depicted. For example, two ormore steps may be performed concurrently or with partial concurrence.Also, some method steps that are performed as discrete steps may becombined, steps being performed as a combined step may be separated intodiscrete steps, the sequence of certain processes may be reversed orotherwise varied, and the nature or number of discrete processes may bealtered or varied. The order or sequence of any element or apparatus maybe varied or substituted according to alternative embodiments.Accordingly, all such modifications are intended to be included withinthe scope of the present invention as defined in the appended claims.Such variations will depend on the software and hardware systems chosenand on designer choice. It is understood that all such variations arewithin the scope of the invention. Likewise, software and webimplementations of the present invention could be accomplished withstandard programming techniques with rule based logic and other logic toaccomplish the various database searching steps, correlation steps,comparison steps and decision steps.

The foregoing description of embodiments of the invention has beenpresented for purposes of illustration and description. It is notintended to be exhaustive or to limit the invention to the precise formdisclosed, and modifications and variations are possible in light of theabove teachings or may be acquired from practice of the invention. Theembodiments were chosen and described in order to explain the principalsof the invention and its practical application to enable one skilled inthe art to utilize the invention in various embodiments and with variousmodifications as are suited to the particular use contemplated. Othersubstitutions, modifications, changes and omissions may be made in thedesign, operating conditions and arrangement of the embodiments withoutdeparting from the scope of the present invention as expressed in theappended claims.

What is claimed is:
 1. A computer-implemented method comprising:receiving, by a check processing computer system, a deposit request forfunds to be deposited into a user account, wherein the deposit requestincludes a first electronic check image captured by an image capturedevice of a mobile device, the image capture device comprising one ormore lenses and an image sensor configured to record images on a memorysystem of the mobile device, wherein the image capture device isintegrated into a body of the mobile device, and wherein the firstelectronic check image is captured by: overlaying, by the image capturedevice of the mobile device, a guide box over the first electronic checkimage, wherein lines at edges of the guide box change color indicatingwhen the first electronic check image is detected by the image capturedevice, applying, by the image capture device of the mobile device, redcolor to the lines at the edges of the guide box until the firstelectronic check image is detected by the image capture device,applying, by the image capture device of the mobile device, green colorto the lines at the edges of the guide box responsive to detecting thefirst electronic check image by the image capture device, and capturing,by the image capture device of the mobile device, the first electroniccheck image responsive to detecting the first electronic check image;determining, by the check processing computer system, identifyinginformation related to the deposit request based on the captured firstelectronic check image; performing, by the check processing computersystem, a risk assessment for the deposit request based on theidentifying information; determining, by the check processing computersystem, a risk level associated with the deposit request based on therisk assessment; and responsive to the determined risk level associatedwith the deposit request: if the determined risk level is below aspecified risk level threshold, automatically depositing, by the checkprocessing computer system, the funds into the user account; or if thedetermined risk level is above the specified risk level threshold,requesting, by the check processing computer system, that a user capturea second electronic check image having a restricted endorsement, whereinthe second electronic check image is captured by: overlaying, by theimage capture device of the mobile device, the guide box over the secondelectronic check image having the restricted endorsement, wherein thelines at the edges of the guide box change color indicating when thesecond electronic check image having the restricted endorsement isdetected by the image capture device, applying, by the image capturedevice of the mobile device, red color to the lines at the edges of theguide box until the second electronic check image having the restrictedendorsement is detected by the image capture device, applying, by theimage capture device of the mobile device, green color to the lines atthe edges of the guide box responsive to detecting the second electroniccheck image having the restricted endorsement by the image capturedevice, and capturing, by the image capture device of the mobile device,the second electronic check image having the restricted endorsementresponsive to detecting the second electronic check image; receiving, bythe check processing computer system, the second electronic check imagecaptured by the image capture device of the mobile device; applying, bythe check processing computer system, an optical character recognitionalgorithm to the captured second electronic check image having therestricted endorsement; responsive to applying the optical characterrecognition algorithm, locating, by the check processing computersystem, each character of the restricted endorsement within the capturedsecond electronic check image; determining, by the check processingcomputer system, a certainty score for the each located character of therestricted endorsement; assigning, by the check processing computersystem, a first tag to each located character having the certainty scoreabove a first certainty threshold; assigning, by the check processingcomputer system, a second tag to each located character having thecertainty score below a second certainty threshold, wherein the secondcertainty threshold is lower than the first certainty threshold;assigning, by the check processing computer system, a third tag to eachlocated character having the certainty score between the first certaintythreshold and the second certainty threshold; transmitting, by the checkprocessing computer system, a request to validate the each locatedcharacter having the third tag; responsive to the request to validatethe each located character having the third tag, receiving, by the checkprocessing computer system, validated characters corresponding to theeach located character having the third tag; determining, by the checkprocessing computer system, a confidence level for the restrictedendorsement based at least in part on the each located character havingeither the first tag or the validated character; and automaticallydepositing, by the check processing computer system, the funds into theuser account based on the confidence level being above a specifiedconfidence threshold.
 2. The computer-implemented method of claim 1,further comprising: based on the identifying information, requestingadditional account information related to the user account associatedwith the deposit request, wherein the risk level is determined based onthe additional account information.
 3. The computer-implemented methodof claim 1, wherein the confidence level is determined based on apercentage of recognizable characters within the restricted endorsement.4. The computer-implemented method of claim 1, wherein the confidencelevel is determined based on the restricted endorsement being within aspecified area in the second electronic check image.
 5. A checkprocessing computer system comprising: a processor coupled to a memory,wherein the processor is configured to: receive a deposit request forfunds to be deposited into a user account, wherein the deposit requestincludes a first electronic check image captured by an image capturedevice of a mobile device, the image capture device comprising one ormore lenses and an image sensor configured to record images on a memorysystem of the mobile device, wherein the image capture device isintegrated into a body of the mobile device, and wherein the firstelectronic check image is captured by: overlaying, by the image capturedevice of the mobile device, a guide box over the first electronic checkimage, wherein lines at edges of the guide box change color indicatingwhen the first electronic check image is detected by the image capturedevice, applying, by the image capture device of the mobile device, redcolor to the lines at the edges of the guide box until the firstelectronic check image is detected by the image capture device,applying, by the image capture device of the mobile device, green colorto the lines at the edges of the guide box responsive to detecting thefirst electronic check image by the image capture device, and capturing,by the image capture device of the mobile device, the first electroniccheck image responsive to detecting the first electronic check image;determine identifying information related to the deposit request basedon the captured first electronic check image; perform a risk assessmentfor the deposit request based on the identifying information; determinea risk level associated with the deposit request based on the riskassessment; and responsive to the determined risk level associated withthe deposit request: if the determined risk level is below a specifiedrisk level threshold, automatically deposit the funds into the useraccount; or if the determined risk level is above the specified risklevel threshold, request a user to capture a second electronic checkimage having a restricted endorsement, wherein the second electroniccheck image is captured by: overlaying by the image capture device ofthe mobile device, the guide box over the second electronic check imagehaving the restricted endorsement, wherein the lines at the edges of theguide box change color indicating when the second electronic check imagehaving the restricted endorsement is detected by the image capturedevice, applying, by the image capture device of the mobile device, redcolor to the lines at the edges of the guide box until the secondelectronic check image having the restricted endorsement is detected bythe image capture device, applying, by the image capture device of themobile device, green color to the lines at the edges of the guide boxresponsive to detecting the second electronic check image having therestricted endorsement by the image capture device, and capturing, bythe image capture device of the mobile device, the second electroniccheck image having the restricted endorsement responsive to detectingthe second electronic check image; receive the second electronic checkimage captured by the image capture device of the mobile device; applyan optical character recognition algorithm to the captured secondelectronic check image having the restricted endorsement; responsive toapplying the optical character recognition algorithm, locate eachcharacter of the restricted endorsement within the captured secondelectronic check image; determine a certainty score for the each locatedcharacter of the restricted endorsement: assign a first tag to eachlocated character having the certainty score above a first certaintythreshold; assign a second tag to each located character having thecertainty score below a second certainty threshold, wherein the secondcertainty threshold is lower than the first certainty threshold; assigna third tag to each located character having the certainty score betweenthe first certainty threshold and the second certainty threshold;transmit a request to validate the each located character having thethird tag; responsive to the request to validate the each locatedcharacter having the third tag, receive validated characterscorresponding to the each located character having the third tag;determine a confidence level for the restricted endorsement based atleast in part on the each located character having either the first tagor the validated character; and automatically deposit the funds into theuser account based on the confidence level being above a specifiedconfidence threshold.
 6. The computer system of claim 5, wherein theprocessor is further configured to: based on the identifyinginformation, request additional account information related to the useraccount associated with the deposit request, wherein the risk level isdetermined based on the additional account information.
 7. The computersystem of claim 5, wherein the confidence level is determined based on apercentage of recognizable characters within the restricted endorsement.8. The computer system of claim 5, wherein the confidence level isdetermined based on the restricted endorsement being within a specifiedarea in the second electronic check image.
 9. A computer-implementedmethod comprising: receiving, by a check processing computer system, adeposit request for funds to be deposited into a user account, whereinthe deposit request includes a first electronic check image captured byan image capture device of a mobile device, the image capture devicecomprising one or more lenses and an image sensor configured to recordimages on a memory system of the mobile device, wherein the imagecapture device is integrated into a body of the mobile device, andwherein the first electronic check image is captured by: overlaying, bythe image capture device of the mobile device, a guide box over thefirst electronic check image, wherein lines at edges of the guide boxchange color indicating when the first electronic check image isdetected by the image capture device, applying, by the image capturedevice of the mobile device, red color to the lines at the edges of theguide box until the first electronic check image is detected by theimage capture device, applying, by the image capture device of themobile device, green color to the lines at the edges of the guide boxresponsive to detecting the first electronic check image by the imagecapture device, and capturing, by the image capture device of the mobiledevice, the first electronic check image responsive to detecting thefirst electronic check image; performing a risk assessment for thedeposit request: determining a risk level associated with the depositrequest based on the risk assessment; and responsive to the determinedrisk level associated with the deposit request: if the determined risklevel is below a specified risk level threshold, automaticallydepositing, by the check processing computer system, the funds into theuser account; or if the determined risk level is above the specifiedrisk level threshold, requesting that a user capture a second electroniccheck image having a restricted endorsement, wherein the secondelectronic check image is captured by: overlaying, by the image capturedevice of the mobile device, the guide box over the second electroniccheck image having the restricted endorsement, wherein the lines at theedges of the guide box change color indicating when the secondelectronic check image having the restricted endorsement is detected bythe image capture device, applying, by the image capture device of themobile device, red color to the lines at the edges of the guide boxuntil the second electronic check image having the restrictedendorsement is detected by the image capture device, applying, by theimage capture device of the mobile device, green color to the lines atthe edges of the guide box responsive to detecting the second electroniccheck image having the restricted endorsement by the image capturedevice, and capturing, by the image capture device of the mobile device,the second electronic check image having the restricted endorsementresponsive to detecting the second electronic check image; receiving, bythe check processing computer system, the second electronic check imagecaptured by the image capture device of the mobile device; applying, bythe check processing computer system, an optical character recognitionalgorithm to the captured second electronic check image having therestricted endorsement; responsive to applying the optical characterrecognition algorithm, locate, by the check processing computer system,each character of the restricted endorsement within the captured secondelectronic check image; determining, by the check processing computersystem, a certainty score for the each located character of therestricted endorsement; assigning, by the check processing computersystem, a first tag to each located character having the certainty scoreabove a first certainty threshold; assigning, by the check processingcomputer system, a second tag to each located character having thecertainty score below a second certainty threshold, wherein the secondcertainty threshold is lower than the first certainty threshold;assigning, by the check processing computer system, a third tag to eachlocated character having the certainty score between the first certaintythreshold and the second certainty threshold; transmitting, by the checkprocessing computer system, a request to validate the each locatedcharacter having the third tag; responsive to the request to validatethe each located character having the third tag, receiving, by the checkprocessing computer system, validated characters corresponding to theeach located character having the third tag; determining, by the checkprocessing computer system, a confidence level for the restrictedendorsement based at least in part on the each located character havingeither the first tag or the validated character; and automaticallydepositing, by the check processing computer system, the funds into theuser account based on the confidence level being above a specifiedconfidence level threshold.
 10. The computer-implemented method of claim9, further comprising: determining identifying information related tothe deposit request based on the first check image, wherein the risklevel is determined based at least in part on the identifyinginformation.
 11. The computer-implemented method of claim 10, furthercomprising: based on the identifying information, requesting additionalaccount information related to the user account associated with thedeposit request, wherein the risk level is determined based at least inpart on the additional account information.
 12. The computer-implementedmethod of claim 9, wherein the confidence level is determined based on acontent of the restricted endorsement and a location of the restrictedendorsement within the second electronic check image.
 13. Acomputer-implemented method comprising: generating, by a display deviceof a mobile device, a user interface prompting a user to enterinformation corresponding to a deposit request for funds to be depositedinto a user account, the information including a first electronic checkimage; capturing, by an image capture device of the mobile device, thefirst electronic check image, the image capture device comprising one ormore lenses and an image sensor configured to record images on a memorysystem of the mobile device, wherein the image capture device isintegrated into a body of the mobile device, and wherein the firstelectronic check image is captured by: overlaying, by the image capturedevice of the mobile device, a guide box over the first electronic checkimage, wherein lines at edges of the guide box change color indicatingwhen the first electronic check image is detected by the image capturedevice, applying, by the image capture device of the mobile device, redcolor to the lines at the edges of the guide box until the firstelectronic check image is detected by the image capture device,applying, by the image capture device of the mobile device, green colorto the lines at the edges of the guide box responsive to detecting thefirst electronic check image by the image capture device, and capturing,by the image capture device of the mobile device, the first electroniccheck image responsive to detecting the first electronic check image;transmitting, by the mobile device to a mobile check deposit system, thedeposit request for the funds to be deposited into the user account;receiving, from the mobile device by the mobile check deposit system,the deposit request for the funds to be deposited into the user account,wherein the deposit request includes the captured first electronic checkimage; determining, by the mobile check deposit system, identifyinginformation related to the deposit request based on the captured firstelectronic check image; performing, by the mobile check deposit system,a risk assessment for the deposit request based on the identifyinginformation; determining, by the mobile check deposit system, a risklevel associated with the deposit request based on the risk assessment;and responsive to the determined risk level associated with the depositrequest: if the determined risk level is below a specified risk levelthreshold, automatically depositing, by the check processing computersystem, the funds into the user account; or if the determined risk levelis above the specified risk level threshold, prompting, by the displaydevice of the mobile device, a user to capture a second electronic checkimage having a restricted endorsement, wherein the second electroniccheck image is captured by: generating, by the display device of themobile device, a second user interface comprising the second electroniccheck image and the guide box to allow the user of the mobile device toframe the second electronic check image having the restrictedendorsement, overlaying, by the image capture device of the mobiledevice, the guide box over the restricted endorsement of the secondelectronic check image, wherein the lines at the edges of the guide boxchange color indicating when the second electronic check image havingthe restricted endorsement is detected by the image capture device,applying, by the image capture device of the mobile device, red color tothe lines at the edges of the guide box until the second electroniccheck image having the restricted endorsement is detected by the imagecapture device, applying, by the image capture device of the mobiledevice, green color to the lines at the edges of the guide boxresponsive to detecting the second electronic check image having therestricted endorsement by the image capture device, activating, by theimage capture device of the mobile device, a shutter of the imagecapture device of the mobile device to capture the second electroniccheck image having the restricted endorsement responsive to detectingthe second electronic check image; and transmitting, by the imagecapture device of the mobile device, the second electronic check imagehaving the restricted endorsement; receiving, by the mobile checkdeposit system from the mobile device, the second electronic check imagecaptured by the image capture device of the mobile device; applying, bythe mobile check deposit system, an optical character recognitionalgorithm to the captured second electronic check image having therestricted endorsement; responsive to applying the optical characterrecognition algorithm, locating, by the mobile check deposit system,each character of the restricted endorsement within the captured secondelectronic check image; determining, by the mobile check deposit system,a certainty score for the each located character of the restrictedendorsement; assigning, by the mobile check deposit system, a first tagto each located character having the certainty score above a firstcertainty threshold; assigning, by the mobile check deposit system, asecond tag to each located character having the certainty score below asecond certainty threshold, wherein the second certainty threshold islower than the first certainty threshold; assigning, by the mobile checkdeposit system, a third tag to each located character having thecertainty score between the first certainty threshold and the secondcertainty threshold; transmitting, by the mobile check deposit system, arequest to validate the each located character having the third tag;responsive to the request to validate the each located character havingthe third tag, receiving, by the mobile check deposit system, validatedcharacters corresponding to the each located character having the thirdtag; determining, by the mobile check deposit system, a confidence levelfor the restricted endorsement based at least in part on the eachlocated character having either the first, tag or the validatedcharacter; and automatically depositing, by the mobile check depositsystem, the funds into the user account based on the confidence levelbeing above a specified confidence threshold.
 14. Thecomputer-implemented method of claim 13, further comprising: based onthe identifying information, requesting, by the mobile check depositsystem, additional account information related to the user accountassociated with the deposit request, wherein the risk level isdetermined based on the additional account information.
 15. Thecomputer-implemented method of claim 13, wherein the confidence level isdetermined based on a percentage of recognizable characters within therestricted endorsement.
 16. The computer-implemented method of claim 13,wherein the confidence level is determined based on the restrictedendorsement being within a specified area in the second electronic checkimage.